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We analyzed every closed loan from Golden Empire Mortgage — 2.7k loans across 4k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.
Pricing
Mediocre
vs. all lenders
Pull Through
Exceptional
closing strength
Products
Exceptional
FHA · Conventional · VA · Jumbo
Place
Strong
Multi-Region · 23 mkts
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Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
Things to Think About
- Pricing may be below industry average
- Higher than average fees ($4,846)
Explore another lender or local market
Report Card
Golden Empire Mortgage, Inc. performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Below peers +37.5 bps above market avg | |
Pull Through Closing strength | Market Leader Top 20% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Market Leader Top 20% of lenders | |
FHA | Market Leader Top 20% of lenders | |
VA | Highly Competitive Top 40% of lenders | |
Jumbo | Highly Competitive Top 40% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Market Leader Top 20% of lenders | |
Refinance | Highly Competitive Top 40% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Highly Competitive Top 40% of lenders Multi-Regional24 markets | |
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 1,380 | 51.8% | +0.340%Above | $4,806Fees | ||||
FHA Loans | 1,050 | 39.4% | +0.542%Above | $5,235Fees | ||||
VA Loans | 179 | 6.7% | -0.249%Below | $3,937Fees | ||||
Jumbo Loans | 50 | 1.9% | +0.404%Above | $1,695Fees |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 2,385 | 89.5% | +0.384%Above | $5,093Fees | ||||
Refinance | 279 | 10.5% | +0.321%Above | $3,429Fees |
At a Glance
Lender Overview
Lending Activity
Loans Originated
2,664
Applications
3,628
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
+0.375%
vs. market APOR
Avg Net Fees
$4,846
Origination − Credits
Pullthrough Rate
73.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$455,983
Avg Borrower Income
$156,489
Avg Property Value
$563,071
Geographic Coverage
Geographic Performance
Metro Areas
23
States Served
12
We count Washington DC as a state
Avg Place Specialization
States with Loan Originations
AZCACOFLILINMONVORTNTXWA
Top Metro Areas by Place Specialization Score
1
Visalia, CA, CAMSA
Volume: 415Mix: 15.58%of portfolio
Place
Exceptional2
Hanford, CAMSA
Volume: 141Mix: 5.29%of portfolio
Place
Exceptional3
Bakersfield, CAMSA
Volume: 305Mix: 11.45%of portfolio
Place
Exceptional4
Fresno, CA, CAMSA
Volume: 331Mix: 12.42%of portfolio
Place
Exceptional5
Oxnard, CAMSA
Volume: 157Mix: 5.89%of portfolio
Place
Exceptional6
Riverside, CAMSA
Volume: 329Mix: 12.35%of portfolio
Place
Strong7
Los Angeles, CAMSA
Volume: 217Mix: 8.15%of portfolio
Place
Strong8
Modesto, CA, CAMSA
Volume: 62Mix: 2.33%of portfolio
Place
Strong9
Merced, CA, CAMSA
Volume: 36Mix: 1.35%of portfolio
Place
Strong10
San Luis Obispo, CAMSA
Volume: 46Mix: 1.73%of portfolio
Place
StrongShowing 10 of 23 metro areas
Top States by Place Specialization Score
1
CAState
Volume: 2,371Mix: 89.00%of portfolio
Place
Exceptional2
ORState
Volume: 102Mix: 3.83%of portfolio
Place
Strong3
TXState
Volume: 118Mix: 4.43%of portfolio
Place
Sound4
MOState
Volume: 24Mix: 0.90%of portfolio
Place
Sound5
NVState
Volume: 15Mix: 0.56%of portfolio
Place
Sound6
AZState
Volume: 17Mix: 0.64%of portfolio
Place
SoundHow We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.